SMSF expert advice
If you already have a Self Managed Super Fund (SMSF), you will know they can be the perfect vehicle for you to fund your family’s dream retirement. If you are considering a SMSF then it can be a great way to join the more than 1 million Australians who have taken control of their superannuation savings
Our independent SMSF advice gives you the confidence that our financial advice will always be in your best interests.
Our financial planners are the leading Self Managed Super fund experts in Sydney. They have been awarded the Best SMSF Advisor Award 2014; the Best SMSF Practice Award 2014 from the SMSF Association and are recognised on the Top 10 Financial Planners.
“I chose Quantum as my advisors because of their transparent fee for service model rather than a commission based approach. In addition to the transparency, I’ve also found that Claire and Tim Mackay are super smart people.”
Super traps and opportunities for the new financial year
Key point: You should plan around any key birthdays in fiscal year 2021 to make the most of superannuation contribution windows.
Why you need to update your SMSF investment strategy
Key point: With the new financial year approaching, now is the time to bring your self-managed superannuation fund’s investment strategy up to date and stay in the ATO’s good books.
Dual SMSF investment strategy that ticks all boxes
Key point: Your DIY fund’s approach to diversification needs to act a benchmark for your auditor as well as offer you flexibility with the best direction for members.
Investing Insights: Flying above the danger zone
Below is our latest correspondence to clients. When there are big moves in markets,we communicate to clients proactively so they have the confidence they are best positioned.
How to pass on your SMSF wealth effectively
Key point: Smart self-managed superannuation fund estate planning ensures your wealth is passed to your loved ones in the most tax-effective manner.
Time for a portfolio fine-tune
Great investing ideas and portfolio management are different skills. Both are important but the latter goes well beyond making good individual investment decisions. If your current asset allocation is not
Why politicians need to understand the true nature of SMSFs
Digging behind ATO statistics shows mum and dad trustees are more likely to have less than $350,000 each in super, rather than boasting of harbourside mansions.
Great wall of debt & China finding its place in the world
Have you wondered why Huawei is always in the news? Wonder no more. We also examine the Great wall of debt, how China is finding its place in the world
Industry funds’ DIY options could help you keep franking credits
Key point: Own shares through an SMSF and concerned about losing revenue on them? There’s a way to continue owning them without losing out.
Complexity helps justify fees
Like the Wizard of Oz, as long as financial players can can hide behind complexity, consumers can believe financial gurus have the secrets.
Top 100 SMSFs control $8 billion
The Australian Taxation Office has a self managed super fund top 100. Among its greatest hits are the 100 SMSFs with the largest asset balances.
Banking royal commission: what SMSF investors need to know
While DIY super funds were not an area of concern, it will mean more transparency when dealing with financial advisers.
An SMSF action plan for 2019 to keep your fund running smoothly
Now is a great time to start planning how to get your self-managed super fund off to a cracking start. Mark these important tasks in your diary now.
Why inviting your kids into SMSF is a bad idea
While family members in accumulation mode could help soften the impact of Labor’s franking credit plan, don’t make it your first option.
SMSF tips: How to simplify your self-managed superannuation fund
When you take control of your family’s financial future, cut through complexity to meet your retirement goals.
How to keep your SMSF alive
The key is to find trusted advisers and start mentoring younger members of the family.
When to close your SMSF
In the right circumstances, there are good reasons to exit your SMSF and the vast majority of existing SMSFs will be closed at some stage.
New SMSF rules
From 1 July 2018, some of the biggest changes to super rules since 2007 commenced, including a raft of new acronyms (TBAR, TBA, TBC, etc). We have put together a summary
Why SMSF advisers need to lift their game
Why the two SMSF reports from ASIC should be required reading for anyone in the DIY super industry.
SMSF tips: Should you really set up a self-managed superannuation fund?
For the work and effort involved in running your own fund, there should be significant benefits from day one.
Who to include in your self-managed super fund
With the rule change allowing six rather than four members in an SMSF, how many members are right for you?
Quantum Mechanics
“Their level of knowledge and expert opinion across all aspects of financial matters has seen them gain an almost celebrity-like status.”
Count down to super changes
The new superannuation rules commence on 1 July. We have dedicated significant time and effort in analysing how the changes impact each of our wonderful clients.
Is it ever too early or too late to plan for your retirement?
In this NestEgg podcast, Claire Mackay discusses why it’s never too early or too late to plan for your retirement.
Progress on super changes
After a period of great uncertainty, in recent weeks the Federal Government has finally released the details of its planned changes to the superannuation rules.
Eye on the USA
As we all now know, on November 8, 2016 Donald Trump became US President-elect. He will assume office at his inauguration on January 20, 2017. Note: To accompany this latest Investing Insights analysis, we've put
Kochie & Claire discuss divorce & Brangelina
David Koch chats to Claire Mackay about the financial fallout from Brangelina and how to manage a divorce.
Kochie & Claire discuss changes to super
David Koch chats to Claire Mackay about the new rules in superannuation.
New new Super reforms – what do you need to know?
“So this is the way the super reforms end, not with a bang but a whimper” (with apologies to TS Elliot)
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Client update on Brexit GalleryClient update on Brexit
Business owner exiting their business, Company head or division director, Established in private practice, Financial planning for doctors, Investing Insights, Jet setting retiree, Jet setting retirees, Managing family wealth, Responsible for managing family wealth, Retirement planning, Self Managed Super Funds, Women
Client update on Brexit
We provide our updated research and analysis for clients post the UK Brexit vote.
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Client update on the election, markets and your super GalleryClient update on the election, markets and your super
Business owner exiting their business, Company head or division director, Established in private practice, Federal Budget, Investing Insights, Jet setting retirees, Responsible for managing family wealth, Retirement planning, Self Managed Super Funds, Women
Client update on the election, markets and your super
We provide our updated research and analysis for clients post the 2016 Australian election.
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Advice for our jet setting retiree clients GalleryAdvice for our jet setting retiree clients
Federal Budget, Financial Planner of the Year, Financial planning, Financial planning for doctors, Independent financial advisor, Investing Insights, Jet setting retiree, Jet setting retirees, Managing family wealth, Responsible for managing family wealth, Retirement planning, Self Managed Super Funds
Advice for our jet setting retiree clients
We summarise the key issues for our jet-setting retiree clients following the material super changes announced in Budget 2016.
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Advice for our pre-retiree clients GalleryAdvice for our pre-retiree clients
Business owner exiting their business, Company head or division director, Established in private practice, Federal Budget, Financial Planner of the Year, Financial planning, Financial planning for doctors, Independent financial advisor, Investing Insights, Managing family wealth, Responsible for managing family wealth, Retirement planning, Self Managed Super Funds, Transition to retirement
Advice for our pre-retiree clients
We summarise the key issues for our clients in their mid 50s to mid 60s following the material super changes announced in Budget 2016.
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Advice for our turbo charger clients GalleryAdvice for our turbo charger clients
Business owner exiting their business, Company head or division director, Established in private practice, Federal Budget, Financial Planner of the Year, Financial planning, Financial planning for doctors, Independent financial advisor, Investing Insights, Retirement planning, Self Managed Super Funds
Advice for our turbo charger clients
We summarise the key issues for our clients in their mid 40s to mid 50s following the material super changes announced in Budget 2016.
Uncertainty around the super changes
Here we outline the 4 key uncertainties around the super changes proposed by the Government.
The orange one
The possible election of Donald Trump could have a significant impact on markets.
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Changing gears in Europe GalleryChanging gears in Europe
Business owner exiting their business, Company head or division director, Established in private practice, Financial planning, Financial planning for doctors, Investing Insights, Jet setting retiree, Jet setting retirees, Managing family wealth, Responsible for managing family wealth, Self Managed Super Funds, Women
Changing gears in Europe
Our recommendation – Changing gear in Europe. This is our revised Investing Insights advice for clients based on the ongoing Brexit issue.
Why ‘the bank of Mum and Dad’ isn’t helping anyone
A recent Daily Life article discusses the trend for parents to continue to give money to their offspring well into adulthood.
How to protect your retirement?
A recent ABC article explains what low interest rates really mean for retirees and savers.
Our views on Budget 2016 (ABC TV)
Independent financial planner Claire Mackay shares her views on Budget 2016 on ABC TV.
UPDATED Budget 2016 Survival Guide
Welcome to the UPDATED version of our Investing Insights Report special 2016 Federal Budget edition.
Our election outlook (or why elections don’t matter)
The July 2 Australian Federal election will be of great interest to many of our clients. In truth, in the same way the country appears split down the middle 50/50 between Mr
What wealthy people need to do because of Budget 2016
Budget 2016 was the night the superannuation world shifted on its axis. Everything changed.
David Koch leads expert Budget panel
In the wake of the super changes in Budget 2016, Claire Mackay shared her views with Telegraph (Sydney), Advertiser (Adelaide), Courier Mail (Brisbane) and Herald Sun (Melbourne) readers.
Budget 2016 Survival Guide
Welcome to our Investing Insights Report special 2016 Federal Budget edition.
The Budget that killed SMSF growth
Cluedo, the great detective game: “I think it was Mr Morrison in the billiard room with the Budget”
Claire chats with Libby and David Koch
Claire Mackay chats with David and Libby Koch about all things financial.
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Our advice to clients right now GalleryOur advice to clients right now
Business owner exiting their business, Company head or division director, Established in private practice, Financial planning, Independent financial advisor, Investing Insights, Jet setting retirees, Responsible for managing family wealth, Self Managed Super Funds, Women
Our advice to clients right now
10 years ago when I was a research analyst periods of market volatility were absolute hell. The phone would ring red hot with fund manager after hedge fund manager after fund manager demanding to know
Time to fire your advisor?
Disposing of the services of a financial advisor shouldn’t be done after one or two bad patches, but if there is a reason to part ways, then the quickest way is best.
Will you outlive your money?
It is never too early to plan retirement, because gambling with your future is not to be advised.
The best investment strategy
Rather than hoping all your investments outperform the market, there is another approach that can help maintain an upward trajectory for your bottom line.
Transition to retirement
Those heading towards their retirement should take stock of where they are today, and where they want to be at retirement.
Understanding the impact of inflation
When economists raise the topic of inflation today, most people’s eyes glaze over and their minds shift to their ‘happy place’. But knowledge is power.
How much do you need to retire?
It is never too early to plan retirement, because gambling with your future is not to be advised.
Pre-June 30 super health check
You regularly book your car for a service and have a dental check up. You regularly optimise your tax and review your family’s health insurance. Yet how often do you check your super?
The lure of bricks and mortar
The attraction of owning property is clear – you can touch it, you can see it and you have the peace of mind that it will be there tomorrow and the day after.
The myths of investing
To ensure that you are doing justice to your many years of hard work, it is crucial that you critically evaluate the conventional wisdom around managing your personal finances.
Planning for aged care
Aged care is expensive and, with so many Australians living longer, the demand for facilities will only become more competitive. Plan early and you can help ease the transition for you or your family.
Committing plans to paper
All the best intentions in the world will not help you navigate treacherous financial waters if you don’t have a detailed plan, and one that’s written down.
The ingredients of a winning portfolio
The similarities between developing a successful portfolio of investments and creating a successful restaurant dish are, strangely enough, pretty striking.
Get your house in order
It’s surprisingly common for family disputes over wealth to erupt after someone dies. But there are pre-emptive steps you can take to avoid this.
SMSFs on borrowed time? (ABC TV)
Independent financial planner Claire Mackay and the Financial Services Inquiry Chair David Murray discusses Limited Recourse Borrowing Arrangements on ABC TV.
Claire Mackay chats with David Koch
Six months ago, David Koch and independent financial planner Claire Mackay discussed confidence in the Australian economy.
Getting the right financial advice
Moira Geddes from News Corp chats with independent financial planner Claire Mackay about getting the right financial advice.
Super: Not so super?
“Nobody told me there’d be days like these. Strange days indeed – most peculiar mama” John Lennon
What should you do with dividend payments?
Every 6 months investors are faced with an important decision regarding their dividend payments - should they re-invest them or use the cash proceeds for other purposes? "For our clients who are approaching or are
Avoid property spruikers in your SMSF
Quantum Financial’s Claire Mackay discusses how to avoid property spruikers when investing in your Self Managed Super Fund.
Advanced SMSF strategies
The final instalment of Tim Mackay’s comprehensive guide to the booming SMSF market.
Sex and Warren Buffett
For finance tragics like me, the annual release of Warren Buffet’s shareholder letter is an exciting event.
Getting started in Self Managed Super Funds
Daniella Doughan chats to independent financial planner Claire Mackay from Quantum Financial about getting started in self-managed super funds (SMSF) on David Koch’s Business Builder / Yahoo Finance.
How to make the magic $1 million in super to fund your retirement
Investing surplus cash into superannuation, borrowing to invest and paying off the family home are the top strategies from advisers on how to hit the magic $1 million savings target for retirement.
Property investing in your SMSF
Quantum Financial’s Claire Mackay discusses the role of property investing in your SMSF.
Opt in for long-term profits
Key point: Financial planners should seize this chance to develop professionalism writes Tim Mackay and Claire Mackay.
Restoring trust in financial advice
Financial planning must be professional, and new government reforms are a good start, write Tim Mackay and Claire Mackay.